CONSUMER

PERCEPTION
TOWARDS HOME
LOANS
Submitted by
Bhavini Bhanawala(3107)
Krishna Singapuri(3148)

RESEARCH METHODOLOGY

INTRODUCTION
A home loan is a long term commitment of
15-20 years, several factors like expertise,
quality of service, in-depth domain
knowledge and the companys level of
commitment and transparency right through,
the loan procedures, the fine print, quality
of services offered and safe retrieval of the
title deed are critical. There are lot many
banks and financial institutions through
which one can easily avail of a home loan at
reasonable rate of interest.

OBJECTIVES

Primary
Analyzing the
customers
PERCEPTION on
home loans
offered by banks.

Secondary

1. To study the socio-economic profile of

the respondents.
2. To study the housing loan borrowers
for availing of such loan from public
and private sector banks.
3. To study the corporate culture about
the home loan.
4. To analyze public & private home loan
market and its growing trends.
5. To analyze various methods of
operating a home loan.
6. To gain knowledge about various home
loan products.
7. To know various rates available while
providing home loan.
8. To offer suggestions for the
improvement of housing loan schemes
in public and private sector banks.

SCOPE OF THE RESEARCH

The scope of the study is to analyze the

satisfaction level of home loan customers in
and around India.
The study gathers information about rating
the effectiveness of bank services, rating and
ranking the different features and services
offered by the bank.

DATA COLLECTION
PRIMARY DATA
Primary data are collected
through the responses of the
students through questionnaires
which were specially prepared
for this study.
The questionnaire contained
questions regarding the general
and socio-economic
characteristics of the
respondents such as age,
religion, educational
qualification, etc. and also
about their reason for taking
home loan, term, rate of
interest, procedure etc.

SECONDARY DATA
There was extensive use
of secondary information
in the form of books,
articles published in
magazines, journals,
newspaper, reports of
Bank of Baroda and The
Surat peoples co-op Bank
Ltd., websites, circulars,
pamphlets of the banks,
clippings etc.

SAMPLING DESIGN
SAMPLE SIZE
The sample size of our survey is 80.

SAMPLING

FRAME -

Our

sampling frame for the survey are from surat city.

ELEMENT-

Our

sampling element for the survey is from NIM students.

SAMPLING

Our

research survey was on judgmental base we randomly selected people around us and has collected the data.

SURVEY

TOOL

Our

METHOD-

survey tool was questionnaire.

SURVEY METHODOur survey method was personal interview.

4.7
RESPONSE RATE
Our response rate was 80 out of 80.


LIMITATION OF STUDY

This research study was time bound and due to this only
a few aspects of the Problem were taken up for study. 80
This research study was taken in a limited area only (i.e.
Surat city)
Findings may vary if the area of study is changed. Some
of the respondents might have been biased in their
responses and as
Such the analysis and conclusion based on it could vary
to some extent. Some of the conclusions also depend
upon secondary data. To the extent these
Data are reliable, the conclusion derived from them are
valid. This research study was limited only to
nationalized and co-operative banks
Due to non-availability of data on private banks.